UNSPSC 64101801: Secured credit card

A type of credit card that is backed by a savings account used as collateral on the credit available with the card. Money is deposited and held in the account backing the card. The credit limit will be based on both previous credit history and the amount deposited in the account. The limit as a percent of the deposit tends to range between 50 to 100 percent.

UNSPSC 64101801 Secured credit card is a Commodity code describing payment card products and related financial services that state and local governments procure for agency operations, employee expenses, and public-facing transaction processing. Recent solicitations show government buyers acquiring secured and commercial credit cards, corporate travel cards, purchasing cards (P-Cards), fleet cards, merchant processing services, and point-of-sale payment systems integration — a broader ecosystem than the code name alone suggests. Issuing bodies span state departments, counties, cities, school districts, transit authorities, and special-purpose districts, with repeat buyers including state treasurers' offices, transportation agencies, and larger education systems managing multi-location payment infrastructure. The activity reflects a shift toward integrated payment solutions combining card issuance, fraud monitoring, real-time reporting, and system integration rather than card products in isolation.

Solicitations cluster across multiple states with particular recent concentration in Georgia (Gwinnett County merchant processing, Fulton County Schools card services, Cobb County Schools point-of-sale and merchant services RFI), California (ten-agency joint transit/parking card RFP, San Mateo County merchant credit card services, Cobb County Schools district), and Washington and Texas (WDFW fleet card RFP, H-GAC Workforce Financial Aid Services system transition, City of Fort Worth P-Card compliance RFI, City of Kingman merchant card processing). The Washington Department of Fish and Wildlife fleet card RFP (awarded RFP No. 26-00009, five-year term August 2026 through July 2031, estimated $8 million contract value, responses due June 30, 2026) and the City of Alexandria Transportation Stipend Card Management Services RFP (sealed proposals due August 20, 2026, competitive negotiation, prepaid card solution for approximately 750 participants scaling to 827) exemplify the technical complexity and scale driving current procurements. Smaller jurisdictions pursue targeted solutions — Burke County (corporate credit card with fixed $25,000 limit, proposal due June 3, 2026), City of Kingman (dual-system merchant card processing for utility IVR and parks POS, proposals due May 28, 2026) — while large systems like Fulton County Schools (fourth-largest Georgia district, $28.8 million annual card volume across 439 cards, RFP due March 5, 2026) and Los Angeles Superior Court (4,500 employees, 38 locations, corporate travel card program, proposals due July 9, 2026, 3% DVBE incentive available) drive enterprise procurement. Cooperative purchasing vehicles remain active — Denver's participation in NASPO Washington Commercial Card Services (enrollment deadline July 24, 2026) demonstrates continued reliance on multi-state procurement aggregation for payment card programs.